KR200429274Y1 - Portable Sign-pad Terminal Devices - Google Patents

Abstract

The present invention relates to a portable electronic signature pad that can be detached from a predetermined device (eg, a main body, a cradle, etc.) connected to an external network and / or has a predetermined communication connection. By using a digital signature pad separated from the holder (or the main body), signature input can be performed in an increasingly digital signature payment environment and in an affiliated store environment where customers cannot easily pay at the counter. A key input means for inputting information, a screen output means for outputting predetermined information, a card reading means for reading customer card information, and a sign pad for receiving customer sign information are integrally formed.

Credit Card, Portable, Electronic Signature Pad, Merchant

Description

Portable Sign-Pad Terminal Devices

1A and 1B are diagrams illustrating a preferred internal function configuration of a sign pad terminal device according to an embodiment of the present invention.

2A and 2B are views illustrating a preferred external configuration of a sign pad terminal device according to an embodiment of the present invention.

3 is a diagram illustrating a process of acquiring customer electronic signature information and credit card information through a customer electronic signature LCD (or touch panel) provided in a sign pad terminal device according to the present invention and performing payment processing using the same.

4 is a diagram illustrating an example of printing customer electronic signature information obtained from a sign pad terminal device according to the present invention on a sales slip.

5 is a diagram illustrating a principle of normalizing a customer electronic signature obtained through a sign pad terminal device according to the present invention.

6 is a view illustrating a principle of normalizing a customer electronic signature obtained through a sign pad terminal device according to an embodiment of the present invention.

<Description of main parts of drawing>

100: sign pad terminal 105: control unit

110: card interface 115: signature input unit

120: screen display unit 125: key input unit

130: communication connection unit 135: signature processing unit

140: information transmission unit 145: information storage unit

150: holder (device) 155: card terminal device

The present invention relates to a portable electronic signature pad that can be detached from a predetermined device (eg, a main body, a cradle, etc.) connected to an external network and / or capable of a predetermined communication connection.

With the expansion of the electronic payment infrastructure, electronic payment services in the form of postpaid / debit payments have become common based on at least one or more electronic payment means of credit card and / or check card and / or debit card. Value added van that provides a payment network for payment transactions between a payment terminal equipped and a card company (or financial company) that issued at least one customer card of credit card and / or check card and / or debit card to visited merchants. Network (VAN) was established by the company, and also operates a bansa-based dealer / merchant network to maintain and manage the established electronic payment infrastructure.

Conventionally, in order for a customer to make a payment through a payment terminal provided in the affiliated store, an employee (or cashier) receives a signature for proof of a transaction from the customer, but recently, a signature using a real writing instrument (for example, a pen) is not used. Digital signatures are on the rise.

An object of the present invention includes a key input means, a screen output means, a card reading means, a sign pad integrated type, or the key input means, a screen output means, a card reading means, a sign pad integral type and a communication connection means detachable The present invention provides a portable sign pad terminal device that can be easily used at a customer's location.

The portable sign pad terminal apparatus according to the present invention includes a key input means for inputting predetermined information, a screen output means for outputting predetermined information, a card reading means for reading customer card information, and customer signature information. Characterized in that the sign pad is formed integrally, characterized in that further comprising a communication connection means for connecting the communication with the card terminal body.

According to the present invention, the communication connection means is included in the key input means, screen output means, card reading means, integrated sign pad, or the key input means, screen output means, card reading means, integrated sign pad and separated It is characterized by being worn.

In addition, according to the present invention, the communication connection means, characterized in that the communication connection with the card terminal body by wire and / or wireless.

According to the present invention, the card reading means comprises an MS card reading means for reading an MS (Magnetic Stripe) card and an IC card reading means for reading an IC card.

Hereinafter, with reference to the accompanying drawings and description will be described in detail the operating principle of the preferred embodiment of the present invention.

However, the drawings and the following description shown below are for a preferred embodiment among various methods for effectively explaining the features of the present invention, the present invention is not limited only to the following drawings and description.

In addition, in the following description of the present invention, if it is determined that a detailed description of a related known function or configuration may unnecessarily obscure the subject matter of the present invention, the detailed description thereof will be omitted.

In addition, terms to be described below are terms defined in consideration of functions in the present invention, which may vary according to intention or custom of a user or an operator. Therefore, the definition should be made based on the general contents of the present invention.

In addition, preferred embodiments of the present invention to be carried out below are provided in each system functional configuration to efficiently describe the technical components constituting the present invention, or system functions that are commonly provided in the technical field to which the present invention belongs The configuration will be omitted, and described mainly on the functional configuration to be additionally provided for the present invention.

If those of ordinary skill in the art to which the present invention pertains, it will be able to easily understand the function of the components that are conventionally used among the omitted functional configuration not shown below, and also the configuration omitted as described above The relationship between the elements and the components added for the present invention will also be clearly understood.

In addition, the following embodiments will be used to appropriately modify the terms so that those skilled in the art to clearly understand the technical features of the present invention to effectively understand the key technical features of the present invention, whereby the present invention It is by no means limited.

As a result, the technical idea of the present invention is determined by the claims, and the following embodiments are one means for efficiently explaining the technical idea of the present invention to those skilled in the art to which the present invention belongs. It is only.

Figures 1a and 1b is a view showing a preferred internal functional configuration of the sign pad terminal device 100 according to an embodiment of the present invention.

In more detail, Figures 1a and 1b are detached from a predetermined holder (or main body), one embodiment of the sign pad terminal device 100, including a card swipe, amount input, signature input function, etc. when paying for credit card As for those of ordinary skill in the art to which the present invention pertains, the present invention is detached from the predetermined holder (or the main body) by referring to and / or modifying the drawings 1a and 1b, and at the time of credit card payment, It is possible to infer additional functional configuration of the sign pad terminal device 100 including a swipe, money input, signature input function, etc., but the technical features of the present invention are not limited to the drawings 1a and 1b, It is to be understood that the inference includes all implementation methods.

Referring to FIG. 1A, the illustrated sign pad terminal device 100 is connected to a predetermined cradle (or device) that can be detached and connected in series (RS-232c), and basically, the control unit 105, a storage medium, and a card interface. At least one functional unit (not shown) including a key input unit 125, a screen display unit 120, and a communication connection unit 130, and provided in the sign pad terminal device 100 according to the intention of a person skilled in the art. Omission).

According to the present invention, the sign pad terminal device 100 communicates with the card terminal device 155 via a predetermined cradle (or device) as shown in FIG. 1A, or the card terminal device 155 directly as shown in FIG. 1B. And communicating with.

As shown in FIG. 1A, when the sign pad terminal device 100 communicates with the card terminal device 155 through a predetermined holder (or device), the sign pad terminal device 100 and the holder (or device) are serially connected. Preferably, the sign pad terminal device 100 communicates directly with the card terminal device 155 as shown in FIG. 1B. It is preferable to have a communication means for communicating with the card terminal device 155 through communication.

As shown in FIG. 1A, when the sign pad terminal device 100 communicates with the card terminal device 155 through a predetermined cradle (or device), the cradle (or device) A network communication unit for connecting a predetermined communication channel with the card terminal device 155, and / or a cable communication unit for connecting a communication session with a predetermined terminal (or device) through a predetermined cable communication port, and / or at least It may be configured to include a short-range wireless communication unit for connecting a predetermined communication session with a predetermined short-range communication terminal (or device) device through one or more short-range wireless communication means.

On the other hand, as shown in Figure 1b, when the sign pad terminal device 100 directly communicates with the card terminal device 155, the sign pad terminal device 100 may be provided with a communication connection according to the present invention, The communication connection unit is a network communication unit for connecting a predetermined communication channel with the card terminal device, and / or a cable communication unit for connecting a communication session with a predetermined terminal (or device) through a predetermined cable communication port, and / or And a short range wireless communication unit for connecting a predetermined short distance communication terminal (or device) device and a predetermined communication session through at least one short range wireless communication means, and connecting the communication channel (or communication session) by software. It is preferable to include a communication protocol and / or a driver for the following.

The network communication unit of the communication connection unit is a predetermined wired network and / or including a Value Added Network (VAN) or a financial common network or high-speed Internet (eg, ADSL / VDSL / Cable Network /.../ satellite communication). The communication channel is connected to a server (or device, including a card terminal device 155) on a wired or wireless network through a predetermined wireless network including a mobile communication network or a wireless data communication network.

The network communication unit may include a modem or a network interface card (NIC) for connecting the sign pad terminal device 100 to a predetermined wired / wireless network in hardware. And a communication protocol and / or a driver for connecting the pad terminal device 100 to the wired / wireless network.

The cable communication unit of the communication processing unit connects a communication session with the sign pad terminal device 100 or a predetermined cable communication terminal (or device) through a predetermined cable communication (eg, RS-232c or Universal Serial Bus (USB)). It comprises a predetermined cable communication port to which the cable is connected in hardware, and comprises a communication protocol and / or driver for the cable communication in software.

The short range wireless communication unit includes at least one of infrared ray communication, RF (Radio Frequency) communication, Bluetooth (BlueTooth), Wireless LAN (Wi-Fi), Wi-Fi (Wi-Fi), and Universal Serial Bus (USB). Characterized in that to connect a predetermined terminal (or device) and a short-range wireless communication session through at least one or more short-range wireless communication means, the hardware includes the infrared communication, RF communication, Bluetooth, WLAN, WiFi, UWB And a predetermined short range wireless communication module for short range wireless communication, and includes a communication protocol and / or a driver for the short range wireless communication in software.

According to one embodiment of the present invention, through the sign pad terminal device 100 shown in Figures 1a and 1b securely obtains and stores customer credit card information and electronic signature information from customers remote from the cash register, The sign pad terminal device 100 is coupled to the holder and transmits the stored information to the card terminal device 155 and / or directly to the card terminal device 155 using a predetermined communication means. .

Prior to the detailed description of the internal function configuration of the sign pad terminal device 100 according to the present invention, the performance specifications for the main configuration of the present invention are shown in Table 1 below.

TABLE 1

In more detail, the control unit 105 of the sign pad terminal device 100 controls the overall operation of the sign pad terminal device 100 in terms of function configuration, manages the flow of information or data between components, and When paying for a product (or service) sold at an affiliated store equipped with a sign pad terminal device 100, a sign pad terminal separated from the holder and / or connected to the card terminal device 155 through a predetermined communication means The device 100 obtains the credit card information and / or the electronic signature information of the customer, temporarily stores the obtained credit card information and / or the electronic signature information, and then stores the stored credit card information and / or the electronic signature. Controlling a component provided in the sign pad terminal device 100 for the function of transmitting information to the card terminal device 155 through the holder and / or directly. Input / output at least one processor, an execution memory (for example, a register and / or a random access memory (RAM)), and predetermined data, including a CPU (Central Processing Unit) / MPU (Micro Processing Unit) in hardware; Characterized in that it comprises a bus (BUS) to.

In addition, the control unit 105 is a predetermined program routine that is loaded (loaded) from a predetermined recording medium into the execution memory in order to perform a function specific to the sign pad terminal device 100 by software and arithmetic processing by the processor (Routine) and / or program data (e.g., separated from the holder and / or card terminal device 155 (body) at the time of credit card payment, to obtain credit card information and / or electronic signature information of the customer, After temporarily storing the obtained credit card information and / or digital signature information, for transmitting the stored credit card information and / or electronic signature information through the holder and / or directly to the card terminal device 155 The payment customer may enlarge / reduce signature information received electronically through a function and / or LCD (or touch panel) capable of the customer's electronic signature. Record provided in the sign pad terminal device 100 to perform a function for printing the goods purchased in the store and the size to be suitable for the signature area of the sales slip issued for billing of payments. In the control unit 105, a component that can be processed by software among the functional configurations provided in the sign pad terminal apparatus 100 for a predetermined program recorded on a medium and / or the above functions will be illustrated. It is characterized by consisting of).

According to an embodiment of the present invention, the control unit 105 may include components (for example, the memory unit, the card interface, the key input unit, the screen display unit, the communication connection unit, and / or one of ordinary skill in the sign pad terminal device 100). Controlling and managing the electronic payment service defined in the sign pad terminal device 100 by interworking a terminal function unit (not shown) according to an intention.

In addition, the control unit 105 communicates with the sign pad terminal device 100 according to the present invention and the cradle detachable from the sign pad terminal device 100 and the sign pad terminal device 100 and / or the cradle. At the time of a credit card payment for a product (or service) sold in a store equipped with a card terminal device 155, the payment customer has predetermined electronic input means (e.g., customer electronic signature) provided in the sign pad terminal device 100. Expand / reduce the electronic signature information input through the LCD (or touch panel) capable of outputting it to the signature area of the sales slip and / or obtain the credit card information and / or the electronic signature information of the customer, and After temporarily storing the obtained credit card information and / or digital signature information, the sign pad terminal device 100 is provided to communicate with the card terminal device 155 and / or directly through the holder. Control the components by interworking with each other, and / or predetermined electronic input means (e.g., separated from the holder) provided by the payment customer in the sign pad terminal 100, and / or credit card information of the customer The sign pad terminal device for acquiring electronic signature information, temporarily storing the obtained credit card information and / or electronic signature information, and then transmitting the card information to the card terminal device 155 through the holder and / or directly. It is preferable to execute the program recorded on the recording medium provided at 100, and the present invention is not limited thereby.

The storage medium is input / output information when an operation by a predetermined program routine (or code) and / or program data (eg, a program routine (or code)) for controlling the overall operation of the sign pad terminal device 100 is performed. Or a general term of non-volatile memory for storing data, and at least one or more including electrically erasable and programmable read only memory (EEPROM) and / or flash memory (FM) and / or hard disk drive (HDD) in hardware. It comprises a storage means.

In addition, the storage medium stores predetermined program routines and program data (eg, data input or outputted by the program routine to perform a predetermined function) required by the controller 105 to perform a predetermined control function. It is characterized by.

According to the present invention, product (or service) information and / or merchant information on a product (or service) sold in a merchant having a sign pad terminal device 100 in a read / write memory area of the memory constituting the storage medium. Information and / or payment terminal specific information may be stored, and customer electronic signature information input through the LCD (or touch panel) of the sign pad terminal 100 or the card interface of the sign pad terminal 100 may be stored. It is characterized by storing the customer credit card information that is read through.

In particular, the information stored in the storage medium is preferably stored in at least one memory area of a read only memory (ROM) area or a read / write memory area of the memory constituting the storage medium. The design is not limited.

According to the present invention, the storage medium is characterized by storing customer electronic signature information obtained from the card payment customer and / or customer credit card information read from the customer credit card.

Here, the customer digital signature information and / or the customer credit card information stored in the storage medium is automatically deleted after being transmitted to the card terminal device 155 through the holder or the predetermined communication means.

According to the present invention, the card interface is predetermined card information (for example, credit card, check card, debit card provided on the card) from at least one or more payment customer card for the electronic payment service defined in the sign pad terminal device 100; , Payment means information corresponding to a payment means including at least one of a cash card and a financial account.

1A and 1B, the card interface includes a contactless IC reader unit providing an interface between the contactless IC card and the sign pad terminal device 100, the contact IC card, and the sign pad terminal device 100. It may include a contact IC reader unit for providing an interface and / or MS reader for providing an interface between the MS card and the sign pad terminal device (100).

According to one embodiment of the present invention, when the payment customer uses a credit card in the form of a contactless IC card, the card number stored in the credit card is read out through the contactless IC reader, and the contactless IC reader is ISO / IEC 14443. Based on, at least one antenna that makes electrical contact with the contactless IC card through capacitive coupling and / or inductive coupling, etc., and through the antenna of the IC card Sign pad terminal device that supplies power to an IC chip and sends information or data (eg, credit card number, etc.) stored in the IC card of the payment customer card or the wireless terminal through the half duplex transaction using an APDU. It is characterized by interfacing to (100).

In addition, the contact IC reader is a card reader based on ISO / IEC 7816, and includes at least one contact point that makes electrical contact with a chip on board (COB) provided in a contact IC card. It supplies power to the IC chip of the IC card through the contact point, and the predetermined information or data stored in the IC chip through the half duplex transaction using an APDU (Application Protocol Data Unit) Characterized in that the interface to the sign pad terminal (100).

In addition, the MS reader is a card reader based on ISO / IEC 7811. The MS reader includes at least one magnetic head including a predetermined coil, and includes predetermined information (eg, magnetized binary ( As binary data, an MS card in which predetermined information or data (e.g., a credit card number, etc.) is recorded is in close contact with the magnetic head and moves in a predetermined direction (or the magnetic head is in close contact with an MS card in which predetermined information is recorded). To transfer the predetermined information or data from the at least one track included in the MS of the MS card to the sign pad terminal 100 by using a predetermined electrical signal loaded on the magnetic head. Interfacing.

The key input unit includes a predetermined key input including at least one key button including at least one number key and / or a character key and / or a function key. Detects information (or signal) input from the device, and changes the input mode and / or operation mode of the sign pad terminal device 100 in cooperation with the controller 105 based on the information (or signal). Or) predetermined information from a predetermined key button provided in the key input device in a specific input mode and / or operation mode of the sign pad terminal device 100 controlled by the control unit 105. When (or a signal) is input, it is preferable to generate a key event corresponding to the input information (or signal) and provide the generated key event to the controller 105.

At this time, the control unit 105 obtains predetermined key data corresponding to the key event in the current input mode and / or operation mode of the sign pad terminal device 100, and / or is matched with the key event. It is desirable to obtain an instruction to execute a defined predetermined function.

The key input unit having the key input unit and the at least one key button interlock with each other to perform a function of key input means provided in the sign pad terminal device 100, wherein the key input device comprises at least one numeric key. And a keypad device having a function key, and / or a keyboard device having at least one numeric and character keys (eg, English character keys, and / or Korean character keys) and function keys, and / or the screen output means. It is preferable that the touch screen device includes at least one numeric key and a function key, and / or at least one or more touch screen devices including at least one numeric key, a character key, and a function key.

The screen display unit may display the LCD by the control unit 105 in a process of performing the predetermined function (for example, reading and storing credit card information, inputting and storing digital signature information, etc.) by the sign pad terminal device 100. Outputting at least one or more information or data which are predefined or defined in real time to be output to a predetermined display device including a liquid crystal display (CRT) and / or a cathode ray tube (CRT) through a predefined interface screen The screen display unit and the screen output device interoperate with each other to perform a function of the screen output means provided in the sign pad terminal device 100.

The predefined information or data to be output from the sign pad terminal device 100 to the screen output device may include key data input through the key input unit and / or the sign pad terminal device 100. Information (or data) stored or generated by an element, information (or data) transmitted / received through a communication connection unit, and / or information (or data) corresponding to a predetermined operation result performed by the sign pad terminal apparatus 100. ) At least one or more.

The communication connection unit may be configured to perform a predetermined function (for example, a function of transmitting credit card information read from the customer credit card and / or electronic signature information input from a customer) by the sign pad terminal 100. It provides a predetermined communication means for connecting the card terminal device 155 and a predetermined communication session.

The signature input unit may include a predetermined electronic signature input means (eg, an LCD (or touch panel) capable of electronic signature) for receiving electronically a signature for proof of transaction from a credit card settlement customer. It is done.

For example, the electronic signature input means may be configured as a tablet or electronic pad with a pen or PUCK connected to a cord or wirelessly, and in the present invention, when paying by a credit card of a customer, the pen (or puck) may be used. When the user touches the liquid crystal screen formed on the tablet and inputs his or her signature, the signature input unit senses the pressure pressed by the pen to detect the detected position (for example, a series of coordinate points consisting of x and y) on the liquid crystal screen. Generates signature image data corresponding to

Here, the coordinate point represents a continuous flow, a starting point or an end point of the detected position when the credit card settlement customer draws or traces a signature or the like on the liquid crystal screen formed on the tablet.

Meanwhile, referring to FIG. 1, the control unit 105 of the sign pad terminal device 100 receives signature information of a payment customer electronically input through the signature input unit and stores the sign pad terminal device 100. A signature processing unit 135 for storing in a medium, an information storage unit 145 for storing customer credit card information read through the card interface 110 in a storage medium of the card terminal device 155, and the storage medium. And an information transmitter 140 for transmitting the customer credit card information and / or the electronic signature information stored in the card terminal device 155 to the card terminal device 155.

When the signature processing unit 135 generates coordinate data corresponding to the electronic signature input by the payment customer through the signature input unit 115, the signature processing unit 135 stores the size information of the signature print image formed by the coordinate data in the storage medium. Characterized in that.

Here, the signature processing unit 135 may store one electronic signature, or may continuously store a plurality of electronic signatures until each electronic signature is normally transmitted to the card terminal device 155.

The information storage unit 145 may read the customer credit card information read through the card interface 10 of the sign pad terminal device 100 and / or the transaction information input through the key input unit 125 (eg, a transaction amount, etc.). ) Is stored in the storage medium of the card terminal device (155).

The information transmitting unit 140 stores customer electronic signature information and / or customer credit card information and / or customer transaction information stored in the storage medium through the signature processing unit 135 and / or the information storage unit 145. It is characterized in that the transfer to the card terminal device 155 through a predetermined communication means (for example, cable, short-range wireless, etc.) including the cradle.

1A and 1B, the illustrated card terminal device 155 is communicatively connected through a predetermined communication connection means including the sign pad terminal device and the cradle, and the customer electronic device is connected to the customer electronic device from the sign pad terminal device. Characterized in that the signature information and / or customer credit card information and / or customer transaction information is provided.

The card terminal device 155 basically includes a control unit, a memory unit, a card interface, a key input unit, a screen display unit, a communication processing unit, a security application module, a slip output unit, and a power supply unit (battery) for supplying power to the card terminal device. It is made, including, at least one or more functional units (not shown) provided in the card terminal device according to the intention of those skilled in the art, for a detailed description thereof will be referred to the functional component of the sign pad terminal device do.

The control unit of the card terminal device, in function configuration, controls the overall operation of the card terminal device, manages the flow of information or data between the respective components, and merchandise (or service) sold in the affiliated store equipped with the card terminal device. In the case of payment for the, characterized in that it controls the components provided in the card terminal device for the function of communicating with the sign pad terminal device and the electronic payment processing function, hardware (Central Processing Unit) / MPU (Micro And at least one processor including a processing unit, an execution memory (for example, a register and / or random access memory (RAM)), and a bus for inputting and outputting predetermined data.

In addition, the control unit is a predetermined program routine (Routine) and / or program that is loaded into the execution memory from a predetermined recording medium in order to perform a function specific to the card terminal device by the processor and arithmetic processing by the processor. LCD including data (e.g., credit card information and / or digital signature information obtained from the electronic pad terminal device at the time of credit card payment, and / or various functions related to the credit settlement process and / or the electronic signature of the customer). (Or touch panel) to enlarge / reduce signature information electronically input to the signature area of the sales slip issued by the payment customer for proof of transaction and billing of goods purchased at the store. A recording medium provided in the card terminal apparatus for performing a function for printing A predetermined program recorded in the control unit and / or a component capable of being processed by software among the functional configurations provided in the card terminal apparatus for the above functions will be illustrated as being provided in the controller. .

According to an embodiment of the present invention, the control unit may include components (for example, the memory unit, the card interface, the key input unit, the screen display unit, the communication processing unit, the security application module, the slip output unit, and / or a person skilled in the card terminal apparatus). Controlling and managing the electronic payment service defined in the card terminal device by interworking with a terminal function unit (not shown) according to the intention of the present invention.

The memory unit stores a predetermined program routine (or code) and / or program data (for example, information or data input and output when an operation by the program routine (or code) is performed) for controlling the overall operation of the card terminal apparatus. General term for non-volatile memory, including at least one or more storage means including a hardware EEPROM (Electrically Erasable and Programmable Read Only Memory) and / or Flash Memory (FM) and / or Hard Disk Drive (HDD) Is done.

The memory unit may store predetermined program routines and program data (for example, data input or outputted to perform a predetermined function by the program routine) required for the control unit to perform a predetermined control function. do.

According to the present invention, product (or service) information and / or merchant information and / or payment for a product (or service) sold in a merchant having a card terminal device in a read / write memory area of the memory constituting the memory unit Terminal specific information may be stored, and customer electronic signature information input through the LCD (or touch panel) of the card terminal apparatus or customer credit card information read through the card interface of the card terminal apparatus may be stored. do.

Particularly, the information stored in the memory unit is preferably stored in at least one or more memory areas of a read only memory (ROM) area or a read / write memory area of the memory constituting the memory part. This is not limited.

According to the present invention, the card interface is a predetermined card information (e.g., credit card, check card, debit card, cash card, etc. provided in the card for the electronic payment service defined in the card terminal device) Payment means information corresponding to a payment means including at least one financial account.

The card interface may include a contactless IC reader unit providing an interface between the contactless IC card and the card terminal device, a contact IC reader unit and / or the MS card providing an interface between the contact IC card and the card terminal device. It may be configured to include an MS reader unit for providing an interface between the card terminal device.

The key input unit includes a predetermined key input including at least one key button including at least one number key and / or a character key and / or a function key. Detect information (or signal) input from the device, change (or switch) the input mode and / or operation mode of the card terminal device in conjunction with the control unit based on the information (or signal), and / or When predetermined information (or a signal) is input from a predetermined key button provided in the key input device in a specific input mode and / or operation mode of the card terminal apparatus controlled by the controller, the input information (or signal) It is preferable to generate a key event corresponding to) and to provide the generated key event to the controller.

The screen display unit uses a liquid crystal display (LCD) and / or a CRT (Cathode) by the control unit in the process of performing a predetermined function (e.g., electronic payment processing function, cash receipt processing function, etc.) using the card terminal device. And at least one information or data which is predefined or defined in real time to be output to a predetermined display output device including a Ray Tube) through a predefined interface screen, wherein the screen display unit and the display output device Interoperate with each other to perform a function of a screen output means provided in the card terminal apparatus.

The communication processing unit, a network communication unit for connecting a predetermined communication channel with the card terminal device, and / or a cable communication unit for connecting a communication session with a predetermined terminal (or device) through a predetermined cable communication port, and / Or a short range wireless communication unit for connecting a predetermined short distance communication terminal (or device) device to a predetermined communication session through at least one short range wireless communication unit, and software-controlled to establish the communication channel (or communication session). It is preferred to include a communication protocol and / or a driver for the connection.

The Secure Application Module (SAM) is a confidentiality and / or authentication and / or integrity (Integrity) and / or required when the card terminal device performs the credit card payment of the customer Or a security device for performing security requirements including nonrepudiation, etc. in a secure and reliable structure within the card terminal device without using an authentication server (or a payment server) on a payment network. Encrypt or decrypt certain messages (information or data) that are processed in the course of the device performing certain security request functions (e.g., electronic payment and / or electronic payment functions) and prevent forgery (or tampering) of the messages. Adds an authenticator or stores important key information in the process of performing the security request function. It is characterized by.

In general, the security application module is preferably composed of a predetermined security application module inserter and a security application module chip, the security application module chip is a chip containing at least 8 bits or more CPU has a performance of 2 MIPS (Million Instructions Per Second) or more It is preferable to include an Application Specific Integrated Circuit (ASIC) chip (eg, a PLCC 44-pin chip) and / or an IC chip (eg, an IC card in the form of a subscriber identity module (SIM)).

In addition, the security application module is at least one or more security application data (eg, at least one identifier, version, expiration date, issue date, code value, etc.) and / or key required for the card terminal device to perform a predetermined security request function (E.g., one master key and at least one application key) and / or protocol (e.g., transaction protocol, re-transaction protocol, last transaction cancellation protocol, collection protocol, SAM issuance protocol, (e-money company / card company) registration protocol, authorization Acquisition protocol, mode switch protocol, key download protocol, SAM revocation protocol) and / or commands (e.g., at least one read / authentication / transmission / registration / setting / mode switch / gather / delete / discard / initialize / reprocess / retract) Command) is preferably provided.

The signature input unit may include a predetermined electronic signature input means (eg, an LCD (or touch panel) capable of electronic signature) for receiving electronically a signature for proof of transaction from a credit card settlement customer. It is done.

For example, the electronic signature input means may be configured as a tablet or electronic pad with a pen or PUCK connected to a cord or wirelessly, and in the present invention, when paying by a credit card of a customer, the pen (or puck) may be used. When the user touches the liquid crystal screen formed on the tablet and inputs his or her signature, the signature input unit senses the pressure pressed by the pen to detect the detected position (for example, a series of coordinate points consisting of x and y) on the liquid crystal screen. Generates signature image data corresponding to

Here, the coordinate point represents a continuous flow, a starting point or an end point of the detected position when the credit card settlement customer draws or traces a signature or the like on the liquid crystal screen formed on the tablet.

The slip output unit prints predetermined information or data (eg, payment processing result information or data) generated as a result of the card terminal apparatus performing a predetermined function (eg, a credit settlement processing function) and / or as a result. It is characterized in that the output to the device (for example, sprocket printer, thermal printer, etc.), and comprises a print protocol and a driver for printing the print information or data through the predetermined printing device in accordance with a predefined printing form .

In particular, when the slip information is reduced / enlarged through the control unit according to the present invention the signature information of the payment customer electronically entered through the signature input unit in the LCD (or touch panel) capable of the electronic signature of the customer The enlarged payment customer signature is printed on the signature area on the sales slip.

Meanwhile, referring to FIG. 1, the control unit of the card terminal apparatus enlarges / reduces signature information of a payment customer that is electronically input through the signature input unit, and prints the signature on the sales slip through the slip output unit. The processing unit and product information (eg, a brand name) corresponding to card information (eg, a credit card number) read out by the card customer interface (or wireless terminal) by the card interface in the credit card settlement process of the card terminal device. A product processing unit for generating a credit card approval request message to be transmitted to a payment agent server by using the store information and the card terminal device information extracted from the card terminal device memory unit and the signature input unit. Electronic signature storage unit for encrypting and storing the signature information of the payment customer input and the generated scene Before transmitting the full credit card authorization request to the payment agent server, characterized in that it comprises a communication connection confirmation unit for confirming the communication connection between the card terminal device and the sign pad terminal device.

As described above, when the signature processing unit generates coordinate data corresponding to the electronic signature input by the payment customer through the signature input unit, the signature processing unit signs the size of the signature printed image formed by the coordinate data on the sales slip. It may be reduced or enlarged so as to be appropriately output to the area.

The specialized processing unit may purchase product information (eg, a product name, a product price) corresponding to the input information from the card terminal device memory unit through the information inputted through the key input unit (for example, a payment processing amount). By using the extracted store information and card terminal device information, characterized in that for generating a credit card payment authorization request message to be sent to the payment agent server (for example, VAN server, etc.), the generated message is sold in the store It is characterized in that it includes a full receipt of cash receipt processing approval request for the goods or a full transaction approval cancellation.

In addition, the specialized processing unit transmits the generated credit card payment approval request message to the payment agent server on the payment network through the network communication unit of the communication processing unit, and the predetermined corresponding to the transmitted payment approval request message from the payment agent server. Receive a payment approval response message of the, and outputs the information contained in the received message in conjunction with the screen display unit, or outputs the information contained in the received message in conjunction with the slip output unit .

In addition, the specialized processing unit may include at least one or more electronic signature information stored in the card terminal device memory through the electronic signature storage unit in the payment approval request message or transmit the information to the payment agent server together with the payment approval request message. It is characterized by.

The electronic signature storage unit may store one electronic signature, and may continuously store a plurality of electronic signatures until each electronic signature is normally transmitted to the payment agent server.

The communication connection confirmation unit, in the process of inputting the key data corresponding to the payment approval full-text transfer, characterized in that the communication connection between the card terminal device and the card terminal device holder is characterized in that the normal.

2a and 2b are views illustrating a preferred external configuration of the sign pad terminal device 100 according to the embodiment of the present invention.

More specifically, Figures 2a and 2b shows the actual external configuration according to a preferred embodiment of the present invention, if those of ordinary skill in the art to which the present invention belongs, please refer to the present drawings 2a and 2b And / or may be deduced from various cradles (or a card terminal device, etc.) so as to be deduced from various embodiments of the sign pad terminal device 100 which obtains customer credit card information and customer electronic signature information. , The present invention includes all the embodiments inferred above, and is not limited to the embodiments shown in Figures 2a and 2b.

Figure 2a is a real picture of the sign pad terminal device 100 and the cradle according to an embodiment of the present invention, Figure 2a shows the sign pad terminal device 100 is attached to the cradle.

Referring to FIG. 2A, the sign pad terminal 100 may include a customer electronic signature LCD (or touch panel) and / or a screen display unit 120, a card interface, and a keypad.

The customer electronic signature LCD (or touch panel) is located in front of the sign pad terminal device 100 shown in FIG. And may perform a role of a screen display unit in parallel.

According to the implementation method of the present invention, the sign pad terminal 100, when the customer requests a payment, when the customer is away from the cash register (or counter), or when the customer requests payment processing in his seat And, characterized in that separated from the cradle, the cashier (or employee) holding the sign pad terminal device 100 is separated from the cradle, go to the seat of the customer, reading the customer's credit card, or the Customer electronic signature information may be input through the customer electronic signature LCD (or touch panel) provided in the sign pad terminal device 100.

The card interface is located on the upper right side of the sign pad terminal device 100, and reads credit card information from a credit card of a payment request customer, and a more specific function of the card interface is shown in the figure. Reference is made to the description of card interface 1.

The keypad is located in the lower part of the front of the sign pad terminal device 100, and is composed of a number (or letter) key and a function key to input customer transaction information (for example, payment amount), or the Characterized in that the inquiry request using the transaction history information input using the function key and the credit card information read from the card interface.

Figure 2b shows a sign pad terminal device 100 cradle and a rear portion of the sign pad terminal device 100 attached to the cradle according to the present invention.

3 shows a process of acquiring customer electronic signature information and credit card information through a customer electronic signature LCD (or touch panel) provided in the sign pad terminal device 100 according to the present invention and performing payment processing using the same. Drawing.

Referring to FIG. 3, a customer who is registered as a credit card member first visits a store (member) equipped with a sign pad terminal device 100 according to the present invention and purchases goods or services, and requests for credit settlement therefor. When the employee (or cashier) separates the sign pad terminal device 100 from the holder of the sign pad terminal device 100 (or the card terminal device main body) (300), the credit settlement request customer seat (or seat). Go to.

After moving, the customer credit card is brought into contact with the card interface of the sign pad terminal 100 shown in FIGS. 1A to 1B (305).

When the credit card information required for payment is read from the customer credit card through the card interface, the read credit card information is stored in a storage medium of the sign pad terminal 100 (310).

In addition, the digital signature information of the customer is obtained through the signature input unit of the sign pad terminal device and stored in the storage medium of the sign pad terminal device 100 (315).

Subsequently, when transaction details information (eg, payment approval amount, etc.) is input through a key input unit provided in the sign pad terminal device 100, the sign pad terminal device 100 and the card terminal device use the holder. A communication connection is made through a predetermined communication means (including a short range wireless communication means) (320), and the card terminal apparatus receives the customer credit card information and the electronic signature information stored in the storage medium in the sign pad terminal device (100). To transmit (325).

Then, the card terminal device generates a full transaction approval request message including the transaction history information and credit card information to be transmitted to the payment agency server and transmits it to the payment agency server (330).

Subsequently, the payment agency server determines whether the transaction approval is successful from the card company server (335), and if notified of the failure, the transaction approval response message including the transaction approval failure details is provided through the digital signature holder. The sign pad terminal 100 transmits to the terminal 100 and ends the procedure (345).

On the other hand, if the transaction is normally authorized from the card company server, the payment agency server transmits the transaction approval response message including the transaction approval normal details to the card terminal device 155, the card terminal device 155 The signature processing unit may reduce and enlarge the horizontal and vertical lengths of the customer electronic signatures acquired through the signature input unit to a predetermined magnification so as to fit the signature area on the sales slip output (340).

For example, the predetermined magnification is smaller than each magnification of the horizontal and vertical lengths of the LCD screen configured in the LCD (or touch panel) capable of the customer electronic signature that is linked to the signature input unit for the horizontal and vertical lengths of the electronic signature. You can set the magnification. In addition, the signature processing unit may enlarge / reduce the digital signature based on one side edge or the center of the LCD screen, and a detailed example thereof will be described with reference to FIGS. 4 to 6.

Thereafter, the card terminal device 155 prints the digital signature enlarged / reduced by the signature processing unit in the signature area on the sales slip (350), so that the customer writes his signature on one side of the LCD screen of the signature input unit. In the case of writing in a small (or large) size, the electronic signature can be printed by making the most of the space allocated to the signature area on the sales slip through the expansion / contraction process of the electronic signature according to the present invention.

4 is a diagram illustrating an example of printing customer electronic signature information acquired by the sign pad terminal 100 according to the present invention on a sales slip.

As shown in FIG. 4, the signature input unit of the sign pad terminal device 100 according to the present invention is provided with an LCD (or a touch panel) capable of digital signature of a customer, and the customer uses a pen or the like to display the LCD (or touch panel). When the liquid crystal screen 90 of the panel is pressed, the electronic signature is generated by sensing the pressure of the pen pressing the liquid crystal screen 90 and drawing an image corresponding thereto.

The electronic signature generated as described above is printed on the signature column 62 of the sales slip 60, and the LCD screen 90 and the signature column 62 of the LCD (or touch panel) are formed in a substantially rectangular shape. The liquid crystal display 90 of the LCD (or touch panel) is manufactured in a rather large size (for example, 9 cm wide and 6 cm long) so that a customer can conveniently enter their signature using a pen (or puck). do. On the other hand, since the signature column is formed in a limited area on the sales slip 60, a much smaller size (for example, 2.3 cm and 1.2 cm) than the LCD screen 90 of the LCD (or touch panel). Is formed.

And 128 pixels wide and 64 pixels long on the LCD screen 90, and each pixel is assigned to a corresponding position in the signature column 62. FIG. Therefore, the electronic signature described on the LCD screen 90 of the LCD (or touch panel) may be printed on the signature line 62 by reducing the width W and the length L in the same ratio.

In the above case, when the customer writes his / her signature over the entire area of the LCD screen 90 of the LCD (or touch panel) interworking with the signature input unit, the sales slip 60 corresponding to the LCD screen 90 is displayed. The digital signature is printed on the entirety of the signature column 62).

On the other hand, as shown in Figure 4, if the customer enters his signature in a small form on the corner of the LCD screen 90 of the LCD (or touch panel), also sales slip 60 The electronic signature is printed at one corner of the signature column 62 on the upper part of the signature, and in this case, the signature is printed on the signature column 62 in a very small size. There is a problem that it is difficult to judge the authenticity of the signature.

5 is a diagram illustrating a principle of normalizing a customer electronic signature obtained through the sign pad terminal 100 according to the present invention.

In the present invention, regardless of the size or position of the electronic signature input to the liquid crystal display 70 of the LCD (or touch panel) capable of customer electronic signature interoperating with the signature input unit using a signature processing unit, By extending the vertical length to a predetermined magnification and normalizing it, the electronic signature can be printed by making the most of the space in the signature column 62 of the sales slip 60.

First, referring to FIG. 5A, when the horizontal length of the liquid crystal screen 70 of the LCD (or touch panel) capable of customer electronic signature interworking with the signature input unit is W and the vertical length is L, the LCD screen It can be seen that the electronic signature is described at the lower right of 70. In the present invention, in order to calculate the size of the electronic signature, it is assumed that the rectangle 71 of the minimum size that can include all the electronic signature, the horizontal length (w) and the vertical length (ㅣ) of the rectangle (71) Calculate the size of the digital signature using.

In FIG. 5A, it can be seen that the horizontal length w of the electronic signature is W / 3 and the vertical length l is L / 2. In this case, the magnification W / w of the horizontal length W of the LCD screen 70 with respect to the horizontal length w of the digital signature is three. In addition, the magnification L / l of the vertical length L of the LCD screen 70 with respect to the vertical length l of the digital signature is 2.

In this case, the present invention is based on the smaller magnification of the horizontal and vertical lengths of the LCD screen relative to the horizontal and vertical lengths of the electronic signature, and expands the electronic signature by the small magnification.

In FIG. 5A, it can be seen that a smaller magnification of the horizontal and vertical lengths of the LCD screen 70 with respect to the horizontal and vertical lengths of the digital signature is the magnification with respect to the horizontal length (W / w). Therefore, the horizontal and vertical lengths of the digital signature are each enlarged by a magnification (W / w) of the horizontal length, that is, twice the size. Since the electronic signature is enlarged based on the small magnification, the electronic signature after the enlargement can be prevented from being distorted or leaving the space of the liquid crystal display 70.

In this case, as shown in FIG. 5B, the electronic signature may be enlarged in a diagonal direction with respect to one edge 72 of the LCD screen 70 of the LCD (or touch panel).

Then, as shown in FIG. 5C, an electronic signature of an enlarged image is formed on the right side of the LCD screen 70, and the enlarged electronic signature is also a space on the right side of the signature column 62 on the sales slip 60. Can be printed utilizing the maximum.

6 is a view showing a principle of normalizing the customer electronic signature obtained through the sign pad terminal device 100 according to an embodiment of the present invention.

In FIG. 6, the principle of enlarging the electronic signature 71 input to the LCD screen 70 of the LCD (or touch panel) capable of customer electronic signature interworking with the signature input unit is the same as described with reference to FIG. 5.

However, in another embodiment of the present invention, as shown in FIG. 6A, the electronic signature 71 described at one corner of the LCD screen 71 of the LCD (or touch panel) is displayed. It can be enlarged in the up, down, left and right directions with respect to the center 73 of the liquid crystal display 70 of the panel).

Then, as illustrated in FIG. 6C, an electronic signature of an enlarged image is formed at the center of the LCD screen 70 of the LCD (or touch panel), and the enlarged electronic signature is also a signature column on the sales slip 60. It can be enlarged and printed at the center of 62.

According to the present invention, by using a detachable sign pad terminal device having an LCD (or touch panel) capable of customer electronic signature, a card interface capable of reading customer credit card information, and a key input unit capable of inputting predetermined payment information, In an increasingly digital signature payment environment, customers can easily use it in a merchant environment where payment is difficult at the counter.

Claims (4)

Key input means for inputting predetermined information; Screen output means for outputting predetermined information; Card reading means for reading customer card information; Characterized in that the sign pad for receiving customer sign information is made in one piece, Portable sign pad terminal device characterized in that it further comprises a communication connection means for connecting the communication with the card terminal body. The method of claim 1, wherein the communication connection means, Included in the key input means, screen output means, card reading means, sign pad integrated, or And a key input means, a screen output means, a card reading means, a sign pad integrated type, and a removable sign pad terminal device. The method of claim 1, wherein the communication connection means, Portable sign pad terminal device characterized in that the communication with the card terminal body by wire and / or wireless. The method of claim 1, wherein the card reading means, MS card reading means for reading an MS (Magnetic Stripe) card, A portable sign pad terminal apparatus comprising an IC card reading means for reading an IC card.

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